Terms of Use

Last Updated: August 13, 2026 Welcome to ApplyLoan.ai. These Terms of Use (“Terms”) govern your access to and use of the website applyloan.ai and any related pages, tools, or services (the “Site”). By accessing or using the Site, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.

1. Who We Are

ApplyLoan.ai provides online loan comparison and matching tools. We are not a lender, bank, credit union, mortgage broker, loan broker, or financial institution. We do not:
  • make loans
  • approve or deny loan applications
  • guarantee loan approval
  • set interest rates, fees, or loan terms
  • underwrite credit decisions
Any loan offers, rates, terms, approvals, or denials are made solely by third-party lenders or partners.

2. Eligibility

The Site is intended for users who are at least 18 years old and located in the United States. By using the Site, you represent that you meet these requirements.

3. What the Site Provides

The Site may include:
  • loan comparison pages
  • lender rankings and directories
  • a guided matching flow
  • estimated rate ranges
  • educational content
  • links to third-party lenders or partners
These tools are provided for informational purposes only and are intended to help you explore possible options.

4. Estimates Are Not Guarantees

Any rates, ranges, rankings, matches, or recommendations shown on the Site are estimates only and are based on the information you provide and publicly available or partner-provided data. Actual rates, approval odds, loan amounts, fees, and terms may differ and are determined solely by the lender after you apply. We do not guarantee:
  • that you will be approved
  • that a listed rate will be available to you
  • that a lender will offer you a loan
  • that the options shown are the best available in the market

5. Your Information

If you use our matching flow, forms, or contact features, you agree to provide information that is accurate and complete to the best of your knowledge. Our collection and use of personal information is described in our Privacy Policy.

6. Third-Party Lenders and Partners

The Site may display or link to third-party lenders, marketplaces, and other partners. If you click a link, submit information, or continue an application with a third party:
  • you leave our Site or otherwise engage directly with that third party
  • their terms and privacy policy apply
  • we are not responsible for their products, decisions, communications, websites, or practices
We do not control and are not responsible for any lender’s approval process, underwriting, customer service, or loan performance.

7. Affiliate Disclosure and Compensation

ApplyLoan.ai is free to use. We may earn compensation from partners when you click certain links, request information, or take other actions through the Site. This compensation may influence:
  • the order of lenders or offers
  • the placement of offers
  • which options appear more prominently
We do not feature every lender or product available in the market. Appearance on the Site does not mean we endorse a lender.

We do not feature every lender or product available in the market. Other lenders not shown on the Site may offer different or better rates, terms, or options.

8. No Financial, Legal, or Credit Advice

Content on the Site is for general informational purposes only. It is not:
  • financial advice
  • legal advice
  • credit advice
  • tax advice
  • an offer or solicitation for a loan
You should consider your own situation and, if needed, consult a qualified professional before making financial decisions.

9. Acceptable Use

You agree not to:
  • use the Site for any unlawful purpose
  • attempt to disrupt or interfere with the Site
  • misuse forms, matching tools, or contact features
  • scrape, copy, or harvest content in an unauthorized way
  • misrepresent your identity or information
  • use the Site to harm us, other users, or third parties
We may suspend or restrict access if we believe these Terms are being violated.

10. Intellectual Property

All Site content, branding, design, text, graphics, logos, and tools are owned by or licensed to ApplyLoan.ai, unless otherwise noted. You may use the Site for personal, non-commercial purposes. You may not copy, reproduce, republish, or exploit Site content for commercial use without our prior written permission. Lender names, logos, and trademarks belong to their respective owners.

11. Accuracy of Information

We aim to keep information on the Site useful and reasonably current, but we do not guarantee that all content is complete, accurate, or up to date. Loan products, rates, eligibility requirements, and partner availability can change at any time without notice.

12. Disclaimer of Warranties

THE SITE AND ALL CONTENT, TOOLS, AND INFORMATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, or secure.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, APPLYLOAN.AI AND ITS OWNERS, OPERATORS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED $100. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

14. Indemnification

You agree to defend, indemnify, and hold harmless ApplyLoan.ai and its owners, operators, and service providers from any claims, liabilities, damages, losses, and expenses arising out of your use of the Site, your violation of these Terms, or your interactions with third-party lenders or partners.

15. External Links

The Site may contain links to third-party websites. We are not responsible for the content, terms, privacy practices, or availability of those websites.

16. Changes to the Site or Terms

We may update the Site or these Terms at any time. The updated Terms will be posted on this page with a revised “Last Updated” date. Continued use of the Site after changes means you accept the updated Terms.

17. Termination

We may suspend or stop providing access to the Site at any time, without notice, for any reason, including if we believe you have violated these Terms.

18. Governing Law

These Terms are governed by the laws of the United States and the laws of the state in which the Site operator is located, without regard to conflict-of-law principles.

19. Contact Us

If you have questions about these Terms, contact us at: Email: hello@applyloan.ai Website: https://applyloan.ai